本文選題：保險合同 + 先合同義務�。� 參考：《華東政法大學》2013年碩士論文

【摘要】：保險在經濟社會發(fā)展中發(fā)揮著巨大的作用。為保障雙方當事人利益，促進保險行業(yè)健康發(fā)展，，法律對保險的規(guī)制應從締約階段開始著手�；诒ｋU合同的附和性，合同雙方當事人信息不對稱、利益沖突等特殊性，保險合同的先合同義務具有特殊的內容與履行規(guī)則。本文討論保險合同之先合同義務，具體分四個章節(jié)展開論述。 第一章概述了先合同義務的特征與內容，通過對保險合同的特殊性分析，概括了保險合同之先合同義務的內容，包括告知義務、說明義務、保密義務及協(xié)助義務。其中告知義務與說明義務是本文討論的重點，保密義務與協(xié)助義務可以依合同法規(guī)則履行。 第二章主要介紹告知義務。告知義務人應包括投保人與被保險人，告知的范圍是將影響保險人風險評估的重要事項。違反告知義務的要件包括了客觀要件、主觀要件，而是否采因果關系應當從平衡投保人與保險人利益的角度進行考慮。違反告知義務的法律后果為保險人享有解除權。 第三章介紹保險人的提示及說明義務�；诒ｋU合同的特殊性，保險人對保險格式條款的說明義務不能適用合同法對格式條款的一般規(guī)定。我國《保險法》區(qū)分了對一般保險格式條款的說明義務以及對免除責任條款的提示與明確說明義務。對一般格式條款的說明義務重點在于對格式條款的整體說明；對免除責任條款的提示義務可以以字體、字號等特殊標識履行，明確說明義務要達到使具有普通智力水平的理性外行人能夠清楚了解條款內容的程度。 第四章對我國現(xiàn)行《保險法》關于先合同義務的規(guī)定進行解釋，結合最高人民法院2012年3月公布的《關于適用中華人民共和國保險法若干問題的解釋(二)征求意見稿》，對投保人的告知義務、保險人的提示與說明義務分別提出完善意見。
[Abstract]:Insurance plays a great role in economic and social development. In order to protect the interests of both parties and promote the healthy development of insurance industry, the legal regulation of insurance should start from the contracting stage. Based on the particularity of the concurrence of the insurance contract, the asymmetry of information between the parties to the contract and the conflict of interest, the pre-contract obligation of the insurance contract has special contents and performance rules. This paper discusses the pre-contract obligation of insurance contract, which is divided into four chapters. The first chapter summarizes the characteristics and contents of the pre-contract obligation. By analyzing the particularity of the insurance contract, it generalizes the content of the pre-contract obligation of insurance contract, including the obligation to inform, the obligation to explain, the obligation to keep secret and the obligation to assist. The obligation to inform and explain is the focus of this paper, and the obligation of confidentiality and assistance can be carried out in accordance with the contract law. The second chapter mainly introduces the obligation of informing. The notifying obligor should include the insured and the insured, and the scope of notification is an important matter that will affect the risk assessment of the insurer. The elements of breach of the obligation of notification include objective elements and subjective elements, and whether to adopt causality should be considered from the angle of balancing the interests of the policyholder and the insurer. The legal consequences of breach of the obligation of notification shall be the right of rescission of the insurer. The third chapter introduces the Insurers'obligation of presentation and explanation. Based on the particularity of the insurance contract, the insurer's obligation to explain the insurance form clause cannot be applied to the general regulation of the form clause in the contract law. The Insurance Law of our country distinguishes between the obligation to explain the general insurance form clause and the obligation to indicate the clause of exemption from liability. The obligation to explain the general form clause focuses on the overall description of the form clause; the obligation to indicate the exemption clause can be performed with special marks such as font, font size, etc. The explicit obligation is to the extent that the rational layman with ordinary intelligence can clearly understand the content of the clause. The fourth chapter explains the provisions of the current Insurance Law on the obligation of prior contract. Combined with the interpretation of some issues concerning the Application of the Insurance Law of the people's Republic of China (2), published by the Supreme people's Court in March 2012, the author puts forward the perfect opinions on the obligation of informing the policy holder and the obligation of prompt and explanation of the insurer respectively.
【學位授予單位】：華東政法大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：D922.284;D923.6

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相關期刊論文 前1條

1 趙冰;;簡論新《保險法》中的棄權與禁止反言原則[J];上海保險;2009年06期

本文編號：1833793